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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

March 23, 2022

Join Jeff Taber and Mike Gerlach, for

Saving the case with SIUL

This Afternoon at 3:00 pm Central

RESERVE MY SEAT

Join us and learn about Columbus Life's Expedition Survivorship Index Universal Life (SIUL). We will cover:

  • How SIUL provides death benefit and living benefits to your client and their spouse or business partner even if one of them is uninsurable
  • How SIUL can be used an annuity alternative with its Enhanced Cash Value Rider
  • Two Case Studies:
    • Late to the Party LIRP
    • Making a Difference: SIUL for Legacy Planning
      And more!

Join us to explore these opportunities and learn how Columbus Life can help you grow your business.

Chronic illness benefits while maintaining life protection

It's life insurance your clients don't have to die to use. They can accelerate a portion of their death benefit to help cover temporary chronic illness expenses. Learn more.

Meet the needs of foreign national clients

We understand the challenges that residents from foreign countries face when buying life insurance in the U.S, especially today. That’s why we’ve designed a foreign national program intended to help ease the process. Learn more.
 
Global Atlantic OnDemand

Find what you need - fast. Every resource for every product–and everything else you need–right at your fingertips.

Get started with mutual

Are you new to selling Mutual of Omaha? Welcome and make sure you check out some of these helpful resources to get started.

Protection for Life and So Much More

We offer clients the utmost flexibility to tailor their Life Protection Advantage policy to best suit their personal needs. Learn more.

Ramp Up Your IUL Express Sales

IUL Express offers death benefit protection that lasts, living benefit riders and best of all, no health exams required. Use our new mailer to get the word out to your prospective clients. 

Three paths to Term Coverage

We understand each client’s path in life is different and that’s why we believe clients should also have the opportunity to travel different paths to get the coverage needed . With Symetra SwiftTerm, get instantly issued coverage in as little as 25 minutes, accelerated or full underwriting if needed. Read more.

Symetra’s New Multi Life Business Program

We have an efficient life insurance solution that can help business clients retain their top talent and protect their business? Our new MultiLife Business Program provides streamlined life insurance protection to multiple key employees through a guaranteed-issue underwriting process designed specifically for them. Learn more.

Help Clients with Estate Tax Concerns

Survivorship Standby Trusts (SST) allow for control and flexibility during client’s lifetime. Survivorship life and SSTs offer clients with estate tax concerns the ability to take action today–with today’s insurability–and yet retain the flexibility to react to tax law as it is enacted. Find out more.
 
Why Clients Should Consider Life Insurance

Although the benefit of protection may seem obvious, many people don't fully realize why they should have life insurance and the protection it can provide until they're presented with the facts. While each person's situation is different, get answers to common questions your clients may when considering life insurance.
 
Competitive Product Portfolio Supported by a Heritage of Financial Strength

Our competitive products, innovative technology and personalized support are driven by an unwavering commitment to our producers and policyholders. That’s what makes Columbus Life different. Learn More.

Life insurance with pre-existing conditions

It’s estimated that up to half of all non-elderly people living in the US have some sort of pre-existing health condition. If your clients are among this half of the country and are in need of life insurance, there's a good chance they can still get the protection that they and their families deserve. Read more.
 
It's Women's History month at LGA

Women now bear the same or greater financial responsibilities compared with their male counterparts, but unfortunately, the vast majority of US women are under-or non-insured. Find out more.

Faster Life Insurance Approval Starts with eSubmission

There is no need to wrestle with paperwork anymore. Using eSubmission means less work for you and your clients. Learn more.
 
The Black Consumer Market – A $74 Billion Opportunity

We are reinforcing Prudential’s commitment to helping meet the needs of underserved and under-insured individuals. The Black Consumer Market eBook gives information about this group’s feelings and opinions about life insurance, ways to start conversations, case studies, and more. Get the eBook.

Are Women Buying Enough Life Insurance?

Women’s History Month continues! While today’s women are more empowered than ever before, a gender gap between those with life insurance policies and those without still seems to remain. Read more about connecting with female clients is this edition of Broad Market Insights.
 
Improve Your Social Media Profile

Your profile speaks volumes, intentionally or unintentionally. Learn how to make the best possible first impression and do more with your profile using our tips and tools. For even more social media resources to help build your business and build your brand using social media, explore the PL Promise microsite.

Convert two Term policies to SUL

Business owners and key employees who, along with their spouses, have Principal Term policies can convert to one SUL Provider policy with no evidence of insurability.

  • Conversion is allowed up to two times the face amount of the smaller term policy.
  • Normal face amount limits for SUL Provider at the time of conversion are applicable

Review the SUL Provider product guide for full product information.

Women's Leadership Series: Rose Ann McDonald, EVP Strategic Initiatives

As we kick off Women’s History Month, the Women’s Inclusion Network (WIN) is bringing back the beloved Women’s Leadership Series to celebrate and acknowledge the contributions of our female leaders here at National Life Group. This year we will be profiling a series of National Life leaders to hear their experiences navigating both life and the financial industry as a woman. Read More.

Market Uncertainty Is On Many People’s Minds

Share what past #Economic trends can teach your clients and important factors to keep in mind when creating a long-term #Retirement plan. Check out the article.

It’s #Tax Season

And your married clients may be thinking about filing. Share these tips to help them stay on top of their eligible #Deducations, credits and see how the Tax Cuts and Jobs Act of 2017 significantly changed the brackets for taxable income.
 

March is Women’s History month

Results from a Nationwide Retirement Institute study found that women investors are being more proactive with their financial lives than they were a year ago. See the full results of the study.

The nuances of selling life insurance to women 

In celebration of Women’s History Month, we’re talking to best-selling author Marti Barletta about what women are looking for in a life insurance producer. Listen to the Podcast.

Reach more clients with expanded term options

Introducing reduced face amounts – as low as $250,000. To help you meet the life insurance needs of even more term clients, John Hancock has reduced the minimum face amount for Vitality Term and Protection Term. Download Talking Points.

Straightforward or affordable? Offer the best of both worlds

Two of the biggest obstacles for clients when it comes to life insurance: they don’t understand it and think they can’t afford it. Classic Choice term is easy to understand and offers multiple term periods, level premiums and no surprises. And it is built to meet client needs without breaking the bank. Download our flyer to learn more.
 
Does your protection portfolio need growth potential?

Include Protective Strategic Objectives VUL in your solutions.

Clients looking to reach their goals need a strategy, not just a policy. Your portfolio of protection products can meet that need when you offer Protective® Strategic Objectives II VUL, coupled with a strategy that targets cash value growth potential. Watch our video to learn more.

What we’re hearing

Get timely market insights from our network of industry experts, including 3 views on the Russia-Ukraine conflict (as of 3/10/22).
 
Build your business with Trust

A strong estate plan can help your clients solidify their financial future and take control of the assets they worked hard to attain. Estate planning tools – such as a trust – can help them leave a lasting legacy that speaks volumes. Lincoln’s Advanced Sales team helps you help your clients. Download the new TOLI Guide.
 
Wade D. Pfau, Ph.D., CFA, RICP Shares Insights on Retirement Risks and Life Insurance

Check out our newsroom Access our accumulation VUL or Lincoln AssetEdge VUL resource.

The Lincoln Leader provides product updates, market insights and process enhancements

Check out the latest issue.

Take control with life insurance

If you have clients worried about the financial impact of the things they can't control, use our client-friendly digital tool to show how North American’s flagship indexed universal life (IUL) insurance, Builder Plus IUL 3, can help.
 
Give OTCA a try

Striking out when meeting prospects? Try OTCA, a simple process that may help obtain a life insurance appointment: Opener, Thinking, Concern, Action. Learn more.

Looking to Offer Choice And Flexibility To Your Clients?

Premier Variable Universal Life (VUL) is a product solution for all of life’s stages. It can provide a lifetime of protection for your family, strong accumulation potential, and multiple investment options. Get the brochure.
 
What makes Advantage Elite Select Unique?

Check out what sets apart our term product from others on the market with our look at Beyond The Numbers.
 
Producer Tool: Need A Resource For Clients Looking For Business Succession Assistance?

Businesses come in all shapes and sizes – and so do their business succession needs. Use BOLD (Business Owner Life-stage Design) to identify and implement solutions that fit your client’s business and life stage. This guide can assist in navigation through solutions.

Whole Life in New York?  American National has you covered

Don’t forget American National’s product portfolio in New York includes term, whole life, guaranteed universal life and index universal life. Take a look at the product features and you’ll be sold on our whole life offering.

Life’s a Beach

American National recently announced the qualification guidelines and the location of their 2023 convention. Check out the details for a trip you don’t want to miss.
 

Get to Know Our OBE Story

For the 16th year in a row, earnings from MassMutual's strategic business investments increased at a compound annual growth rate of over 12%, despite a persistently low interest rate environment. As a result, we have been paying an industry-leading dividend interest rate to our eligible participating whole life policyowners. Learn more about our Other Business Earnings.

Planning with Tax Savings

Did you know that the 2017 Tax Act created a new section of the tax code, known as §199A, that allows 20% of qualifying business income from pass-through companies to avoid taxation? Check out this Advanced Sales Success Strategy to learn more.

Introducing the Affordable Solution for the All-Important Family Market

Flex Whole Life with a Term Combo is the Budget-focused Solution for young families. Many new families have student loans, car payments, mortgages and the cost of raising children. Flex Whole Life is designed to support families’ lifestyles, provide financial security and safeguard dreams for the future. Get the details.
 
SBLI Term-At-A-Glance

SBLI Brokerage offers a complete range of guaranteed level term insurance options providing both affordable protection and adaptability to meet your clients’ varied needs. Learn more.
 
SBLI Whole Life-At-A-Glance

Offer your clients a financial tool that combines a dependable death benefit with superior flexibility to meet current financial obligations – and earn very competitive commissions. Learn more.

New Sales Idea: Help Clients Stay at Home

By walking through how LTCi provides in-home services, you can help clients feel more secure in their purchase of an LTCi policy... and, possibly help keep them in their home longer. Learn more.

Step by Step Guide to Receiving LTC

Take a look at out Step by Step brochure which is one of our most popular to use in the field when discussing LTC planning with your clients. One of the wisest things anyone can do to prepare for their future is learn about LTC services long before they’re needed. It provides insights to help navigate LTC before, during and after it is needed. We created this resource to help answer questions and ease concerns.

Are your clients looking for a way to balance market risk with growth opportunity?

 

A fixed-indexed annuity can be a powerful tool to help clients grow and protect their retirement savings. Share our new video to help start the conversation.

What’s riskier…swimming with sharks or ignoring inflation?

Global Atlantic’s “What’s Riskier?” animated video will help you start a conversation about the impact of inflation on retirement and discuss fixed income strategies beyond bonds and savings accounts. Watch and share the video.

Getting the Most of AssetShield FIA

A diversified accumulation strategy can help clients limit exposure to any one particular index or strategy. The AssetShield fixed index annuity gives clients the opportunity to get the most out of their money by offering multiple 1- and 2-year crediting strategies, linked to multiple different indices.  Check out our client resources and more.

6.85% guaranteed for 10 years

Increased volatility in the market has people re-thinking their portfolios, with American National’s ASIA + product you can offer a Lifetime Income Rider that guarantees 6.85% over the next 10 years. Read the product details.

Great news -  Higher lifetime withdrawal rates on and after 3/14/22

We are pleased to announce rate improvements in our guaranteed living benefit riders available in select Power Series of Index Annuities. View the rates.
 
Index rates are improving from AIG

See the current rates for The Power Protector 10 Series of Index Annuities.
 
How can clients increase income to combat inflation?

See our client-approved flyer on the potentially rising income from Lifetime Income Plus Multiplier Flex versus a fixed income stream over the years.

Explore the results of Fidelity and Guaranty’s second annual Risk Tolerance Tracker and what concerns are top of mind for American investors. Check out our quick 3 minute read articleyou can share with your clients.

What is a MYGA and how is it beneficial?  

Share this 2 minute article with your clients. Learn the specifics behind a multi-year guaranteed annuity and how it differs from a CD. Plus, see how a MYGA could benefit your clients retirement portfolio.

The time to make an impact is now

The NWL Impact 10 is a 10-year fixed indexed annuity that can provide your client with income they cannot outlive.  This annuity features one of the better payout percentages in the industry. Learn more.

In The Loop Underwriting New Business

Symetra’s Accelerated Underwriting Program

Ease of doing business is important; that’s why our Accelerated Underwriting Program, with no Tele-interview, is so simple. Learn more.

More clients protected in less time

We've expanded eligibility for exam-free approvals to get your clients covered even faster when using our digital application. Find out why more than 50% of our online apps are approved without exams or labs. Read more.

Nationwide Underwriting Guide (Updated)

Check out our updated underwriting guide.

Benefit from innovative underwriting programs

Check out Principal's robust underwriting programs to help your SUL Provider clients achieve the best ratings possible.

  • Principal Accelerated Underwriting
  • Principal Risk Upgrade Program
  • Principal Business Solutions Enhanced Underwriting Program

Embark on a quicker underwriting journey with PL Swift Sailing accelerated underwriting

Offer clients up to $2 million in life insurance coverage with no examinations, fluid draws, or APS using these tools:

Help Your Business Move Fast…Faster…Fastest

In just three simple steps, you can get business done (and get paid) faster with our streamlined drop ticket solution. No meddlesome paperwork, no paramed scheduling, no stress. Learn more.

Here to help with all your large case needs

Our Large Case/Specialized Risk Underwriting Team can engage our reinsurers with an autobind limit of $50,000,000 and jumbo limits of $65,000,000. With more than 100 years of experience in cases of this size, we will work with you in a consultative process to understand your cases and find the right offer. Learn more.

Two major AIG Underwriting improvements

Effective in February, Foreign Travel restrictions due to COVID-19 were lifted, and we also lifted a COVID-related requirement for a Personal Health Statement (PHS) on some cases. See the bulletin.

The Power Of WriteFit Underwriting Isn’t A Secret Anymore

Use our turn-key digital campaigns to help bust common misconceptions about getting life insurance – position yourself as the expert your prospects need. In the kit, you’ll find pre-built social media campaigns for Facebook and LinkedIn, plus ready-to-blast prospecting emails. Check out the kit.

Our accelerated underwriting isn’t slowing down

North American is expanding our maximum face amount for ages 51 – 60 to $1 million so more cases can qualify for WriteAway, meaning more opportunity for you and your clients. Learn more.

See the flex complete process in action

We are excited to introduce a series of flex complete case studies. These real-life stories highlight how the flex complete process helps streamline and simplify the application process and offers an improved experience for your customers.

This week, we are sharing a recent term submission. The client received an instant underwriting decision at a Preferred risk class — and the policy was issued just four days after it was submitted to John Hancock.

View Case Study. 

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